The Secret DFW Diary of Eamd Aged 13¾

embarrassed_about_my_debt

:j

Just got called into the bosses office and got told my annual pay rise! Wasnt expecting this for at least another month or so!

Got a BIG payrise! Means i need to start an hour earlier in the morning but that is no huge hardship! Also means i wont get paid over time anymore, just means it is paid throughout the year instead!

Its starting with immediate effect! So i cant wait till pay day! My debts are going to be gone alot quicker now :j

Once i've had a week or twos pay i will work out my new SOA and see how things look!

So nice to have some good news after everything thats been happening.

Verbatim

Great news about the pay rise!

Keeping_Positive

:j Congratulations:j

embarrassed_about_my_debt

Morning all,

Paid for the translation of the tattoo i want to get yesterday.

Bike should be arriving today and still in a good mood about payrise! Had a few beers to celebrate last night!

Also got another £2!

How is everyone else today?

Time for a :coffee:

pania

MOOOOOOOOOORRRRRNIIIIIIING!!!!!!:D


:j :j :j :j :j :j :j :j :j :j :j :j :j
to the payrise!!! fabby news!!!!

when is the pain commencing for the tattoo then? rather you than me, all that black, ouch! :cool:

(I actually ASKED for a £2 coin in exchange for 2 £1 coins at the one stop yesterday... am I sad or what!!:rotfl: )

So we need to clear the streets for the crazy biker at the weekend then do we? thank goodness i'll be on the other side of town. :rotfl:

Chuck a cuppa my way if you're making....:D

embarrassed_about_my_debt

MORNING P!!!!!!!!!!!!:coffee: & a

There you go! :rotfl:

Not sure when its getting done. I've paid for the translation but also want to try and find someone that reads Japenese to confirm it is right. Then i'll need to book it.

Might go to that big forrest down the road at the weekend as thats good fun!

pania

GAAAAAAAAAAAAAAAAAAHHHHHHHHHHH!

Make it go away!! make it go away!!!:eek: :eek: :eek:

pania

keep meaning to get down to that big forest and have a walk actually. must drag OH down there when the weather warms up a bit...

wasn't it becks who had the tattoo of victoria on his arm but one of the letters was done the wrong way round so it said something else instead? you wouldn't want that happening now would you!

embarrassed_about_my_debt

Exactly the sort of thing i dont want to happen! :eek:

Whats wrong! Thought you'd like a Jaffa!

Its really nice down there and you can take a picnic (very DFW!)

embarrassed_about_my_debt

My new budget

Wages - Weekly

£280.00

Rent £20.00
Transfer to bills account £20.00
Savings £25.00 (For Car repairs, ins, MOT, RT etc)
Bowling £15.00
Pool £15.00
Petrol £20.00
Other Cash £10.00
Total Out Weekly £125.00

Leaving £155.00

I also get £300 monthly aswell which covers

Loan £245.06
and with the weekly transfers above also covers the minimum payments on my CC of (based approx on last months figures)
Mint £100
Barclay Card £35

Balances on my debts are now
BarclayCard CC ~ £1,400.00 (5.9% LOB)
Mint CC ~ £4,497.00 (0% till November)
Loan ~ £4,901.20 (6.9% but all interest included in this figure)
Total ~ £10,798.20

Mean i can afford to throw £1,000 at my debts per month.

£755 at my CC's per month (£100 at Mint and rest against Barclay Card till its paid off)
and my loan payment of £245.

All the above is worked out on 4 week months as its easier!

Can anybody see any mistakes etc?